<SUBMISSION>
<ACCESSION-NUMBER>0001047469-02-008304
<TYPE>SC 13D/A
<PUBLIC-DOCUMENT-COUNT>1
<FILING-DATE>20021226
<SUBJECT-COMPANY>
<COMPANY-DATA>
<CONFORMED-NAME>CENTIV INC
<CIK>0001044167
<ASSIGNED-SIC>5045
<IRS-NUMBER>582033795
<STATE-OF-INCORPORATION>GA
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>SC 13D/A
<ACT>34
<FILE-NUMBER>005-53091
<FILM-NUMBER>02868508
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>998 FOREST EDGE DRIVE
<CITY>VERNON HILLS
<STATE>IL
<ZIP>60061
<PHONE>8478768300
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>998 FOREST EDGE DRIVE
<CITY>VERNON HILLS
<STATE>IL
<ZIP>60061
</MAIL-ADDRESS>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>TEKGRAF INC
<DATE-CHANGED>19970808
</FORMER-COMPANY>
</SUBJECT-COMPANY>
<FILED-BY>
<COMPANY-DATA>
<CONFORMED-NAME>RYCHEL WILLIAM M
<CIK>0001096756
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>SC 13D/A
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>980 CORPORATE WOODS PARKWAY
<CITY>VERNON HILLS
<STATE>IL
<ZIP>60061
<PHONE>8473610001
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>980 CORPORATE WOODS PARKWAY
<CITY>VERNON HILLS
<STATE>IL
<ZIP>60061
</MAIL-ADDRESS>
</FILED-BY>
<DOCUMENT>
<TYPE>SC 13D/A
<SEQUENCE>1
<FILENAME>a2097056zsc13da.htm
<DESCRIPTION>SC 13D/A
<TEXT>
<HTML>
<HEAD>

</HEAD>
<BODY BGCOLOR="#FFFFFF" LINK=BLUE  VLINK=PURPLE>
<BR>
<FONT SIZE=3 ><A HREF="#02CHI5199_1">QuickLinks</A></FONT>
<font size=3> -- Click here to rapidly navigate through this document</font>
<P ALIGN="CENTER"><FONT SIZE=4><B>SECURITIES AND EXCHANGE COMMISSION<BR>  </B></FONT><FONT SIZE=2><B>Washington, D.C. 20549  </B></FONT></P>

<P ALIGN="CENTER"><BR><FONT SIZE=4><B>SCHEDULE 13D/A<BR>  </B></FONT><FONT SIZE=2><B>(Rule&nbsp;13d-101)  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B> INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(a)<BR>
AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(a)  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B> <BR>
(Amendment No. 2)  </B></FONT></P>

<BR>

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<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="BOTTOM">
<TD COLSPAN=3 ALIGN="CENTER"><FONT SIZE=2>CENTIV, INC.</FONT><HR NOSHADE><FONT SIZE=2> (Name of Issuer)</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=3 ALIGN="CENTER"><FONT SIZE=2><BR>
Common Stock, Par Value $.001 per Share</FONT><HR NOSHADE><FONT SIZE=2> (Title of Class&nbsp;of Securities)</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=3 ALIGN="CENTER"><FONT SIZE=2><BR>
15233P 10 1</FONT><HR NOSHADE><FONT SIZE=2> (CUSIP Number)</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
Thomas M. Mason<BR>
Centiv,&nbsp;Inc.<BR>
998 Forest Edge Drive<BR>
Vernon Hills, Illinois 60061<BR>
(847) 876-8304</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
Stephen A. Tsoris<BR>
Gardner, Carton&nbsp;&amp; Douglas<BR>
191 N. Wacker Drive, Suite&nbsp;3700<BR>
Chicago, Illinois 60606<BR>
(312) 569-1142</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=3 ALIGN="CENTER"><HR NOSHADE><FONT SIZE=2> (Name, Address and Telephone Number of Person Authorized<BR>
to Receive Notices and Communications)</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=3 ALIGN="CENTER"><FONT SIZE=2><BR>
November&nbsp;25, 2002</FONT><HR NOSHADE><FONT SIZE=2> (Date of Event which Requires Filing of this Statement)</FONT></TD>
</TR>
</TABLE>
<!-- end of user-specified TAGGED TABLE -->


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the filing person has previously filed a statement on Schedule 13G to report the acquisition which is the subject of this Schedule 13D, and is filing this schedule because of
Rule&nbsp;13d-1(e), 13d-1(f)&nbsp;or 13d-1(g), check the following box&nbsp;<FONT FACE="WINGDINGS">&#111;</FONT> </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Note:
Schedules filed in paper format shall include a signed original and five copies of the schedule, including all exhibits. See Rule&nbsp;13d-7 for other parties to whom copies are
to be sent. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>(Continued
on following pages) </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><BR>
(Page 1 of 5 Pages) </FONT></P>

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<TD WIDTH="32%" VALIGN="TOP"><FONT SIZE=2>CUSIP No.&nbsp;&nbsp;&nbsp;&nbsp;<U>15233P 10 1</U></FONT></TD>
<TD WIDTH="3%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="32%" ALIGN="CENTER" VALIGN="TOP"><FONT SIZE=2>13D</FONT></TD>
<TD WIDTH="3%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="32%" ALIGN="RIGHT" VALIGN="TOP"><FONT SIZE=2>Page 2 of 5</FONT></TD>
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<BR>

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<TR VALIGN="TOP">
<TD COLSPAN=9 ALIGN="RIGHT"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>1.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=7><FONT SIZE=2>Name of Reporting Person/I.R.S. Identification No. of Above Person<BR>
William M. Rychel</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=9 ALIGN="RIGHT"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>2.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=5><FONT SIZE=2>Check the Appropriate Box If a Member of a Group</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2>(a)&nbsp;&nbsp;<FONT FACE="WINGDINGS">&#111;</FONT></FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="20%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="53%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2>(b)&nbsp;&nbsp;<FONT FACE="WINGDINGS">&#111;</FONT></FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=9 ALIGN="RIGHT"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>3.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="20%"><FONT SIZE=2>SEC Use Only<BR>
<BR></FONT>
</TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="4%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="53%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=9 ALIGN="RIGHT"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>4.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=7><FONT SIZE=2>Source of Funds<BR>
N/A</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=9 ALIGN="RIGHT"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>5.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=7><FONT SIZE=2>Check Box If Disclosure of Legal Proceedings Is Required Pursuant to Items 2(d)&nbsp;or 2(e)</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="20%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="53%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><FONT FACE="WINGDINGS">&#111;</FONT></FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=9 ALIGN="RIGHT"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>6.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=7><FONT SIZE=2>Citizenship or Place of Organization<BR>
United States</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=9 ALIGN="RIGHT"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=3 ALIGN="CENTER"><FONT SIZE=2>NUMBER OF<BR>
SHARES</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>7.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="53%"><FONT SIZE=2>Sole Voting Power<BR>
431,151</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=3 ALIGN="CENTER"><FONT SIZE=2>BENEFICIALLY</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=5 ALIGN="RIGHT"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=3 ALIGN="CENTER"><FONT SIZE=2>OWNED BY<BR>
EACH REPORTING</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>8.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="53%"><FONT SIZE=2>Shared Voting Power<BR>
0</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=3 ALIGN="CENTER"><FONT SIZE=2>PERSON WITH</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=5 ALIGN="RIGHT"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="20%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>9.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="53%"><FONT SIZE=2>Sole Dispositive Power<BR>
431,151</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="20%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=5 ALIGN="RIGHT"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="20%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>10.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="53%"><FONT SIZE=2>Shared Dispositive Power<BR>
0</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=9 ALIGN="RIGHT"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>11.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=7><FONT SIZE=2>Aggregate Amount Beneficially Owned by Each Reporting Person<BR>
431,151</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=9 ALIGN="RIGHT"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>12.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=5><FONT SIZE=2>Check Box If the Aggregate Amount in Row (11) Excludes Certain Shares</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="20%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="53%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><FONT FACE="WINGDINGS">&#111;</FONT></FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=9 ALIGN="RIGHT"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>13.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=7><FONT SIZE=2>Percent of Class&nbsp;Represented by Amount in Row (11)<BR>
10.30%</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=9 ALIGN="RIGHT"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>14.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=7><FONT SIZE=2>Type of Reporting Person<BR>
IN</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=9 ALIGN="RIGHT"><HR NOSHADE></TD>
</TR>
</TABLE>
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<HR NOSHADE>
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<P ALIGN="RIGHT"><FONT SIZE=2>
Page 3 of 5 </FONT></P>

<BR>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to a Stock Redemption Agreement dated November&nbsp;25, 2002, Centiv, Inc. repurchased 806,983 shares of Common Stock from Mr.&nbsp;Rychel that were subject to a Pledge and
Security Agreement made in connection with a loan from Centiv,&nbsp;Inc. to Mr.&nbsp;Rychel. The purchase price was $2.79 per share. The proceeds of the repurchase were used to repay the
outstanding loan. </FONT></P>

<P><FONT SIZE=2><A
NAME="de5199_item_1._security_and_issuer."> </A>
<A NAME="toc_de5199_1"> </A>
<BR></FONT><FONT SIZE=2><B>Item 1. Security and Issuer.    <BR>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Schedule 13D relates to shares of the common stock, par value $.001 per share (the "Shares"), of Centiv,&nbsp;Inc., a Delaware corporation (the "Company").
The principal executive offices of the Company are located at 998 Forest Edge Drive, Vernon Hills, Illinois, telephone no.&nbsp;847-876-8300. </FONT></P>

<P><FONT SIZE=2><A
NAME="de5199_item_2._identity_and_background."> </A>
<A NAME="toc_de5199_2"> </A>
<BR></FONT><FONT SIZE=2><B>Item 2. Identity and Background.    <BR>  </B></FONT></P>

<P><FONT SIZE=2>(a)-(c),
(f)&nbsp;&nbsp;&nbsp;&nbsp;This Schedule&nbsp;13D is being filed by William&nbsp;M. Rychel. Mr.&nbsp;Rychel was been President and Chief Executive Officer from October&nbsp;1998 until
November&nbsp;2002 at which time he relinquished the title of President but remains Chief Executive Officer. He has also been a Director since October&nbsp;1998. The Company provides point of
purchase signage for various retailers. The Reporting Person's business address is c/o Centiv,&nbsp;Inc., 998 Forest Edge Drive, Vernon Hills, Illinois&nbsp;60061. The Reporting Person is a United
States citizen. </FONT></P>

<P><FONT SIZE=2>(d)-(e)&nbsp;&nbsp;&nbsp;&nbsp;During
the last five years, the Reporting Person has not been (i) convicted in a criminal proceeding (excluding traffic violations or similar misdemeanors) or (ii)&nbsp;a party
to a civil proceeding of a judicial or administrative body of competent jurisdiction and as a result of such proceeding was or is subject to a judgment, decree or final order enjoining future
violations or prohibiting activities subject to federal or state securities laws or finding any violation of such laws. </FONT></P>

<P><FONT SIZE=2><A
NAME="de5199_item_3._source_and_amou__de502262"> </A>
<A NAME="toc_de5199_3"> </A>
<BR></FONT><FONT SIZE=2><B>Item 3. Source and Amount of Funds or Other Consideration.    <BR>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable. </FONT></P>

<P><FONT SIZE=2><A
NAME="de5199_item_4._purpose_of_transaction."> </A>
<A NAME="toc_de5199_4"> </A>
<BR></FONT><FONT SIZE=2><B>Item 4. Purpose of Transaction.    <BR>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Repurchase of stock pledged in connection with a loan from Centiv,&nbsp;Inc. to the Reporting Person. The proceeds of the repurchase were used to repay the
outstanding loan. </FONT></P>

<P><FONT SIZE=2><A
NAME="de5199_item_5._interest_in_securities_of_the_issuer."> </A>
<A NAME="toc_de5199_5"> </A>
<BR></FONT><FONT SIZE=2><B>Item 5. Interest in Securities of the Issuer.    <BR>  </B></FONT></P>

<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>(a)</FONT></DT><DD><FONT SIZE=2>As
of December&nbsp;23, 2002, Mr.&nbsp;Rychel owned 431,151 shares of common stock.
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>(b)</FONT></DT><DD><FONT SIZE=2>Mr.&nbsp;Rychel
has sole voting power over 431,151 shares of common stock of the Issuer. Mr.&nbsp;Rychel has sole dispositive power over 431,151 of common stock of the Issuer.
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>(c)</FONT></DT><DD><FONT SIZE=2>None.
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>(d)</FONT></DT><DD><FONT SIZE=2>Not
applicable. </FONT></DD></DL>
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<UL>
<P ALIGN="RIGHT"><FONT SIZE=2>Page
4 of 5
<BR></FONT></P>

</UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>(e)</FONT></DT><DD><FONT SIZE=2>Not
applicable. </FONT></DD></DL>

<P><FONT SIZE=2><A
NAME="de5199_item_6._contracts,_arrangement__ite04143"> </A>
<A NAME="toc_de5199_6"> </A>
<BR></FONT><FONT SIZE=2><B>Item 6. Contracts, Arrangements, Understandings or Relationships with Respect to Securities of the Issuer.    <BR>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;None </FONT></P>


<P><FONT SIZE=2><A
NAME="de5199_item_7._material_to_be_filed_as_exhibits."> </A>
<A NAME="toc_de5199_7"> </A>
<BR></FONT><FONT SIZE=2><B>Item 7. Material to Be Filed as Exhibits.    <BR>  </B></FONT></P>

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<TR VALIGN="BOTTOM">
<TH WIDTH="9%" ALIGN="CENTER"><FONT SIZE=1><B>Exhibit&nbsp;No.</B></FONT><HR NOSHADE></TH>
<TH WIDTH="3%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="89%" ALIGN="LEFT"><FONT SIZE=1><B>Description<BR> </B></FONT><HR NOSHADE></TH>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="9%" ALIGN="RIGHT"><FONT SIZE=2>7.1</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="89%"><FONT SIZE=2>Stock Redemption Agreement (incorporated herein by reference from the Form&nbsp;8-K filed by the Issuer on December&nbsp;4, 2002).</FONT></TD>
</TR>
</TABLE>
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<P ALIGN="RIGHT"><FONT SIZE=2>
Page 5 of 5 </FONT></P>

<BR>
<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="jc5199_signature"> </A>
<A NAME="toc_jc5199_1"> </A>
<BR></FONT><FONT SIZE=2><B>SIGNATURE    <BR>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct. </FONT></P>

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WILLIAM M. RYCHEL</FONT></TD>
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By:</FONT></TD>
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/s/ William M. Rychel</FONT><HR NOSHADE></TD>
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<P><FONT SIZE=2>Dated: December&nbsp;23, 2002 </FONT></P>

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<P><br><A NAME="02CHI5199_1">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<UL>
<FONT SIZE=2><A HREF="#toc_de5199_1">Item 1. Security and Issuer.</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_de5199_2">Item 2. Identity and Background.</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_de5199_3">Item 3. Source and Amount of Funds or Other Consideration.</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_de5199_4">Item 4. Purpose of Transaction.</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_de5199_5">Item 5. Interest in Securities of the Issuer.</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_de5199_6">Item 6. Contracts, Arrangements, Understandings or Relationships with Respect to Securities of the Issuer.</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_de5199_7">Item 7. Material to Be Filed as Exhibits.</A></FONT><BR>
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<FONT SIZE=2><A HREF="#toc_jc5199_1">SIGNATURE</A></FONT><BR>
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